The AA in the UK shared a great Christmas insurance claim
Mr Fairclough was driving home from Christmas shopping when, on a bend, a car coming the other way had a large Christmas tree badly tied to the roof. "He was driving too fast and I saw the tree lift off and it flew straight at me. The trunk made a great dent in my bonnet and caused me to run off the road and into a hedge." Mr Fairclough added: "The chap didn't stop and he never came back for his tree. The Police said we might as well have it. It wasn't funny at the time but looking back it was like a comedy sketch!"

1. Property is at its most vulnerable over the holidays. Make sure you double-check your security, potential fire causes and storm protection before any planned closures.
2. Most standard business policies include a free increase to sums insured over the Christmas period. Make sure your sums insured are up to date though, as we hate seeing claims not being fully paid due to underinsurance.
3. Don’t forget your virtual property too. Regularly ensure your website and other IT systems are up and running and free from any cyber threats, especially if you make sales online.

1. Property is at its most vulnerable over the holidays. Make sure you double-check your security, potential fire causes and storm protection before any planned closures.
2. Most standard business policies include a free increase to sums insured over the Christmas period. Make sure your sums insured are up to date though, as we hate seeing claims not being fully paid due to underinsurance.
3. Don’t forget your virtual property too. Regularly ensure your website and other IT systems are up and running and free from any cyber threats, especially if you make sales online.

1. Property is at its most vulnerable over the holidays. Make sure you double-check your security, potential fire causes and storm protection before any planned closures.
2. Most standard business policies include a free increase to sums insured over the Christmas period. Make sure your sums insured are up to date though, as we hate seeing claims not being fully paid due to underinsurance.
3. Don’t forget your virtual property too. Regularly ensure your website and other IT systems are up and running and free from any cyber threats, especially if you make sales online.

Penny Collins, Capital Mutual's Joint Director, recently won the prestigious National Insurance Brokers Association VIC/TAS Broker of the Year. Their industry magazine profiled Penny to find out how she became an insurance broker. Read article

National Insurance Brokers Association CEO, Dallas Booth recently stated, “It is pleasing that despite all the misconduct revealed by the Royal Commission, across most areas of financial services, there was no mention of any systemic issues or concerns leading to misconduct by general insurance brokers. There was virtually no mention of insurance brokers during the entire Royal Commission. This is a true reflection of the excellent work brokers do for their clients each and every day.”

Jade Jansen is an Account Manager extraordinaire. She looks after existing clients and helps find the best premiums and cover for new customers.
"The variety of different businesses I get to work with is fantastic. We have a fascinating diversity of clients here at Capital Mutual. It helps make every day interesting. When I'm not in the office, there is a good chance you'll find me working out in the gym - I can't get enough of it :-)"

Insured losses from global catastrophes worldwide could reach $US270.9 billion ($374 billion) in a 1-in-100 year scenario, modelling firm AIR Worldwide estimates in an annual risk report.
The figure is up from last year’s estimate of $US246.9 billion ($340.9 billion) and has jumped from $US205.9 billion ($284.3 billion) in 2012 when the firm published the first of its global extreme event risk reports.